Hot Topics

What is an unsecured loan?: An unsecured loan is a loan where no asset is pledged as security for the loan. (The most frequently used security is the family home.)
Should I get Personal Loan Payment Protection Insurance?: When you apply for a loan, you will be asked at the initial stages if you want personal loan insurance to be included in the agreement
Can I cancel my loan application if I decide not to go ahead for any reason?: If you decide you want to cancel your loan application once you have made it, you can do so within a certain period of time set by the loan company.
What happens if I want to borrow more?: To borrow more you have the option of either taking out a new loan independent of your other loan(s), or arranging with your loan provider to add onto your existing loan.
Over what length of time can I spread my repayments with a debt consolidation loan?: You will be able to spread your repayments over whatever term you need to in order to meet your repayments.

What if I die before my loan is paid off?

If you die before your loan has been fully repaid, the loan will still need to be repaid by your estate. This may mean that your family will have to cover the cost of the loan for you.

The only way to protect yourself and your family against this possibility is to get either Personal Loan Insurance or Life Insurance.

Both policies will ensure that your outstanding loan balance is fully repaid in the event of your death or you being diagnosed with a specified critical illness. Life Insurance will not be of any help with unemployment, sickness or accident. That’s why it’s recommended if you have a very large loan, that you take both a loan or short-term income protection insurance policy, and a life insurance policy - so that all angles are covered and in any event, your family will not have to cope with the repayments on their own.

For Life Insurance

For Short Term Income Protection Insurance

Risk Warning
Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured on it. Security by way of a charge on your home may be required.
Think carefully before securing other debts to your home.

Car Loans

Holiday Loans

Home Improvement Loan

Career Change Loan

Debt Consolidation Loan

Bridging Loans

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This web site is owned by Andromeda Webs Ltd. Andromeda Webs Ltd, is an Appointed Representative of Web Publishing House Ltd. Web Publishing House Ltd is authorised and regulated by the Financial Services Authority for insurance mediation.